What are the requirements for a Postal Bank loan of RMB 50,000? The following conditions are required:

When we need money, we are more likely to choose bank loans. Many people choose to get loans from Postal Bank. So what conditions need to be met for a postal loan of 50,000? Let’s find out together.

What are the conditions for a Postal Bank loan of RMB 50,000?

The loans that Postal Bank can apply for online are Postal Loans, which are personal consumption loans with a maximum limit of RMB 200,000. If a borrower wants to borrow 50,000 yuan, he needs to meet these conditions:

1. Be between 18 and 60 years old, hold a legal and valid original ID card, have full capacity for civil conduct, and repay the principal on time. ability to interest;

2. No bad credit record, no overdue loans or credit cards;

3. Cannot be a postal bank blacklisted customer, that is, not for a long time Users who are overdue, fail to pay after repeated reminders, or illegally cash out are listed as users who are refused credit by the bank.

4. Postal Bank invited customers have received loan invitation text messages pushed by the bank.

5. Other conditions specified by Postal Bank.

What are the postal small loans?

1. Farmers joint guarantee loan: three farmers form a joint guarantee group and can apply for a loan from the bank Postal Savings without any other guarantee.

2. Farmer guaranteed loans: Refers to farmers. Generally, only one or two (the number depends on the loan amount) people with fixed occupations and stable incomes are required as their loan guarantors.

3. Merchant joint guaranteed loan: refers to a joint guarantee group composed of three sole proprietorships and individual industrial and commercial household owners with business licenses. They can apply for loans from bank postal savings without other guarantees.

4. Merchant guaranteed loans: Refers to individual industrial and commercial households or sole proprietorship owners with business licenses, as long as there are one or two people with fixed occupations and stable incomes as loan guarantors (the number of people depends on the loan amount) ), you can apply for a loan from the Postal Savings Bank of China.

5. Time deposit certificate loan: In fact, it means that you can use your own or other people's postal savings time deposit certificates to enjoy a loan of 90% of the time deposit (the repayment period should be before the time deposit certificate expires).

The above are the conditions required for a Postal Bank loan of RMB 50,000. If you plan to apply for a loan, make sure you meet these conditions first.